re: Help needed, I recently got turned down on a refinance loan for my home

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You aren't being turned down. You're getting a stipulation that is preventing closing. Get with your appraiser or your appraisal management company or take a look what kind of loan you want. Moving one aspect of th loan or the other could help the lender get a clear to close.

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thanks for the advise, im going to see what my bank that already has the mortgage can offer first, and then go from there